Cincinnati ,OH Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Cincinnati, OH homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Cincinnati, OH is $1457. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Cincinnati, OH. VHome Insurance will help you navigate the world of homeowners insurance coverages in Cincinnati, OH.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $583 |
| $200,000 | $991 |
| $300,000 | $1,224 |
| $400,000 | $1,865 |
| $500,000 | $2,346 |
Home insurance costs in Cincinnati can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 045232 | $1,319 |
| 45207 | $1,327 |
| 45225 | $1,297 |
| 45205 | $1,308 |
| 45204 | $1,308 |
| 45214 | $1,305 |
| 45208 | $1,617 |
| 45202 | $1,575 |
| 45226 | $1,565 |
| 45220 | $1,499 |
| 45209 | $1,497 |
| 45252 | $1,435 |
| 45206 | $1,445 |
| 45203 | $1,455 |
| 45229 | $1,418 |
| 45219 | $1,395 |
| 45231 | $1,350 |
| 45211 | $1,347 |
| 45237 | $1,345 |
| 45223 | $1,388 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Cincinnati, OH, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,494 |
| $1000 Deductible | $1,336 |
| $1500 Deductible | $1,260 |
| $2500 Deductible | $1,136 |
| $5000 Deductible | $962 |
| Home Insurance Company Near Cincinnati, OH | Homeowners Insurance Agency Near Cincinnati, OH | Address |
|---|---|---|
| NA | Chrismer Agency, Inc. | Po Box 328, Eaton, OH, 45320 |
| State Farm | Dave Leonard | 5898 Salem Ave, Dayton, OH, 45426-1448 |
| Travelers | Midwest Insurance Llc | 135 SHORT ST, LAWRENCEBURG, IN, 47025 |
| Travelers | Norman Spencer Agency Inc | 8075 Washington Village Drive , Dayton, OH, 45458 |
| Erie | Vanvleet Insurance Agency | 5294 Madison Pike Suite 206, Independence, KY, 41051 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| St. Bernard village, Ohio | $87 | $115 | $173 |
| Dayton city, Kentucky | $94 | $125 | $187 |
| Norwood city, Ohio | $88 | $117 | $176 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Cincinnati, OH | 4.3% | 11.2% |
| St. Bernard | 4.81% | 11.53% |
| Dayton | 6.45% | 15.53% |
| Norwood | 4.65% | 13.03% |
| Cincinnati Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 4,038 | 5.0% | $346 |
| $200 to $299 | 3,760 | 4.0% | $796 |
| $300 to $499 | 12,588 | 16.0% | $1246 |
| $500 to $749 | 29,762 | 39.0% | $1921 |
| $750 to $999 | 12,763 | 16.0% | $2671 |
| $1,000 to $1,499 | 9,817 | 13.0% | $3796 |
| $1,500 or more | 2,758 | 3.0% | $5446 |
| Streets in Cincinnati Area | Homeowners Insurance Cost |
|---|---|
| W McMillan St, Townhill Dr, Quailwood Ct, Sanderson Pl, Jail Aly, Zech St, Cavett Dr, Selby Ct, Emery Ln, Argus Rd | $715 |
| Culvert St, Barg Ln, Windsong Ct, Toluca Ct, Pana Aly, Turrill St, Trailwood Dr, Midden Way, Dryden Ave, Larue Ct | $740 |
| Clarion Ave, Casper St, W Nixon St, Monitor Ave, Parkside Pl, Morgan St, Richwood Cir, Whitney Pl, Deeprun Ln, Cumberland St | $851 |
| Baywood Ln, Vista Ave, Fredonia Ave, la Feuille Ave, Mohawk Pl, Stafford St, Miami Bluff Dr, Winding Way, E 8th St, Lookout Cir | $839 |
| Fernbank Ave, Moyer Pl, Seibel Ln, Ashland Ave, Frondorf Ave, Glen Parker Ave, Bellfield Ln, Ayershire Ave, Rusconi Pl, Kenneth Ave | $841 |
| Crow Aly, Estate Ct, Towerview Ln, Glenhurst Pl, Grear Aly, Lafeuille Ave, Paddison Rd, Forestwood Dr, Cryer Ave, Bodman Aly | $730 |
| Moffat Ct, S Clippinger Dr, Hunsford St, Farrell Dr, Mansfield St, Blair Ct, Lakeland Ave, Kilgour St, Sunvalley Ln, Western Hills Ave | $693 |
| Rawson Woods Ln, Orleans Ct, Westknolls Ln, Wyandotte St, Sherel Ln, W 3rd St, Vassar Ct, Waymont Ct, W Central Pkwy, Tulane Rd | $672 |
| Chapman St, Savannah Ave, Lisbon Ave, Galvin Ave, Valley Ln, Queensgate Ln, Antoninus Dr, Old Red Bank Rd, S Dixon Cir, Westwood Ave | $700 |
| Mariemont Ave, E Mills Ave, Wing St, Thurber Aly, Eastwood Cir W, Auten Ave, Lowell Ave, Donnington Ln, Prentice Ave, Connecticut Ct | $678 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Cincinnati | $105 to $107 |
| St. Bernard | $103 |
| Dayton | $112 |
| Norwood | $105 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $1,800 |
| Yearly Cincinnati Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $800 | $1,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,400 | $5,800 |
| Net Savings to Cincinnati Home Owner from High Deductible Plan | $600 | |
| Scenario | Cincinnati, OH Home Replacement Value MORE than Home Value | Cincinnati, OH Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $122,000 | $86,000 |
| Insurance Premium based on Replacement Value | $500 | $350 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $17,500 | Risk Exposure from Under Insuring Coverage is $18,500 |
| Premium Impact | Insurance cheaper by $75/year | Insurance costlier by $75/year |
| Insurance Company | Travelers | Amica Mutual Insurance Company | Farmers Insurance |
| Monthly Premium | 26 | 51 | 50 |
| Year Built | 1967 | 1976 | 1947 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $75000-$100000 | $125000-$150000 | $200000-$250000 |
| Deductible | $1000-$2500 Deductible | $500 Deductible | $5000 to $10,000 Deductible |